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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,313 | $64,359-71.5% | $90,161-79.7% | $70,126-73.9% |
| Participation rate | 48.7% | 70.4%-21.7pp | 76.9%-28.2pp | 69.5%-20.8pp |
| Annual return | 123.28% | 28.13%+95.1pp | 34.89%+88.4pp | 73.15%+50.1pp |
| Employer contribution / active EE | $1,178 | $2,046-42.4% | $3,318-64.5% | $2,343-49.7% |
| Participant deferral / active EE | $2,224 | $4,389-49.3% | $5,287-57.9% | $3,332-33.3% |
| Admin fee / account holder | $594 | $3,945-85.0% | $5,943-90.0% | $4,645-87.2% |